Farmers Bank, The
Carnegie, OK · Cert 4054 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 2 branches
Q2 2026
$139.6MAssets
$122.3MLoans
$121.1MDeposits
$14.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets in OK (rank 24 of 88).
- Widest gap: return on assets trails 79% of banks under $1B in assets in OK (rank 70 of 89).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.81%
Rank 70 of 89
Net Interest Margin
4.18%
Rank 32 of 89
Efficiency Ratio
67.87%
Rank 61 of 89
Equity / Assets
10.41%
Rank 53 of 89
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 33% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.85% | 1.26% | 1.60% | Beats 21% | 70 / 89 | | |
| Return on Equity | 7.81% | 7.40% | 11.89% | 14.65% | Beats 28% | 64 / 89 | | |
| Net Interest Margin | 4.18% | 3.46% | 3.93% | 4.45% | Beats 64% | 32 / 89 | | |
| Efficiency Ratio | 67.87% | 54.70% | 60.95% | 71.14% | Beats 33% | 61 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.82% | 2.25% | Beats 74% | 24 / 88 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.03% | 0.20% | Beats 49% | 46 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 11.58% | 10.89% | 13.00% | 16.33% | Beats 34% | 59 / 89 | | |
| Total Risk-Based Capital Ratio | 11.58% | 11.20% | 13.06% | 16.33% | Beats 34% | 59 / 89 | | |
| Equity / Assets | 10.41% | 9.26% | 10.94% | 13.52% | Beats 40% | 53 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.93% | 61.51% | 72.27% | 84.01% | 97th pctl | 3 / 88 | | |
| Loans / Assets | 87.57% | 52.51% | 63.15% | 71.27% | 98th pctl | 2 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |